Business financing to ignite your work

We know that as a business owner, you might be wearing twelve different hats on any given day. We’re here to deliver the small business financing options you need quickly, so you can focus on growing your business. We’re committed to offering:

"I would recommend Funding Circle because they really get small business. The whole process is a lot smoother, faster, and more personalized than what you’d get from a bank."

The right lender makes business financing simple.

Financing a growing business doesn’t have to be complicated. We offer the business financing solutions that help move your business forward, so you can focus on staying competitive and profitable. Together, we’ll build a partnership for growth.

Why Funding Circle

Our U.S. co-founders started Funding Circle because they were small business owners themselves and had experienced first-hand how hard it is to access affordable and transparent financing. When they couldn’t get a loan to grow their small business — despite the company’s great success — they knew something was wrong. The traditional bank loan system was broken. So, they set out to build a better solution for American small business owners.

A cut above the rest

If you need business funding, this is your place. They were a lifesaver!-Kenny

Excellent

Shocked!

Thanks to the Funding Circle team for the support. The loan application process was simple to follow and processed quickly. They stepped in to support my business when the banks were useless.- David

★★★★★based on reviews

Frequently Asked Questions

Why should I borrow from Funding Circle as opposed to a bank or other lender?

While the underwriting process at traditional banks can be clunky and opaque, Funding Circle delivers a best-in-class experience to our business customers. You’ll work with a dedicated loan specialist who will guide you through the entire application process and remain focused on meeting your unique financing needs. And we will never leave you waiting — you’ll have a decision from us in as little as 24 hours. We also deliver competitive rates, with no prepayment penalty.

How long does it take to apply for financing through Funding Circle?

Funding Circle’s application process is quick, easy, and transparent. You can apply for a loan and get your instant quote in just 10 minutes, and have the money in your bank account in as few as 10 days.

What is business financing?

Business financing is the act of obtaining funds to start or run a business. Financing options typically fall into two broad categories: equity or debt. Debt financing options include:

Term loans

Loans from friends or family

SBA loans

Asset–based loans

Personal loans

Line of credit

Credit cards

Invoice financing

Equity financing involves selling ownership, or equity, of the business to investors. Investors could include:

Friends or family

Angel investors

Venture capitalists

Other forms of financing that don’t involve debt or giving up equity include crowdfunding and business grants.

Do you offer business funding for startups?

No. We offer loans to small businesses that have been in business for two years or more.